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Re: How does one hedge against deflation?

John3754 wrote:What could one do in order to hedge against the possibility of a period of deflation?


Zero mortgage is a good start. How about renting versus purchasing a home?
by Cosmo
Sat Oct 18, 2014 9:37 pm
 
Forum: Investing - Theory, News & General
Topic: How does one hedge against deflation?
Replies: 48
Views: 3170

Re: Mega bus vacation with toddlers.

I agree with most of the posts here. If Megabus is anything close to Greyhound in terms of the types of customers, I would be worried about my safety. Especially at 2:30am in Buffalo -like someone mentioned.

[disturbing content removed by admin alex]

Cosmo
by Cosmo
Sat Oct 18, 2014 9:00 pm
 
Forum: Personal Consumer Issues
Topic: Mega bus vacation with toddlers.
Replies: 27
Views: 1868

Re: Upgrading from Iphone 4s - 5s or 6?

I think it's time for me to upgrade. I have a 4s, and would like one of the newer phones to take advantage of some of the advances (like LTE) featured on the new Iphones. The $100 difference (w/ contract) is not a big deal, I actually prefer the smaller size of the 5s, since I keep my phone in my p...
by Cosmo
Sat Oct 18, 2014 8:50 pm
 
Forum: Personal Consumer Issues
Topic: Upgrading from Iphone 4s - 5s or 6?
Replies: 29
Views: 2172

Re: Upgraded to OS X 10.10 Yosemite

I upgraded last night. No issues thus far this afternoon. I couldn't get the "hand off" function to work with my 5S so I am not sure why. I think I may need to change a setting on the iPhone. Besides the different fonts and the flatter look to all of the icons, no complaints here. I really...
by Cosmo
Sat Oct 18, 2014 8:10 pm
 
Forum: Personal Consumer Issues
Topic: Upgraded to OS X 10.10 Yosemite
Replies: 33
Views: 3479

Re: Best town I've never heard of [for relocating]

Hello fellow Bogleheads! I'm looking to move to a town in which to put down roots and raise a family. I've finally come to the conclusion that life is too short not to live in a place you find beautiful. So, below are some criteria I'm looking for, and I look forward to any recommendations you migh...
by Cosmo
Sun Oct 12, 2014 1:56 pm
 
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 9601

Re: I'm Chuck and I work at Vanguard and Invest in Active Fu

Last year, my wife Marguerite and I got a nice deal on a house, buying it for less than what we thought it was worth. That concept plays out in the stock and bond markets as well. This is an awful analogy and smacks of rationalization. There is no comparison to buying something in the market for le...
by Cosmo
Fri Oct 10, 2014 4:00 pm
 
Forum: Investing - Theory, News & General
Topic: I'm Chuck and I work at Vanguard and Invest in Active Funds
Replies: 44
Views: 7257

Re: Inaccurate Terminology or Description in Vanguard Statem

In August, I initiated a transfer of my Schwab Roth IRA to Vanguard Roth IRA. This is a personal account, not one tied to my employment. The transfer went through, but my activity confirmations typically include a statement of employee asset transfer . For instance, two days ago, I received a confi...
by Cosmo
Thu Oct 09, 2014 5:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Inaccurate Terminology or Description in Vanguard Statements
Replies: 3
Views: 419

Re: Are you a "maximizer" or a "satisficer"?

I find the term "satisficer" remarkably irritating. Is there no way to express the same concept using real, adult-sounding words? I tried to think of one, but after a couple minutes I figured "satisficer" is fine and gets the job done. ;-) Got to admit, I never even heard of thi...
by Cosmo
Tue Oct 07, 2014 2:42 pm
 
Forum: Personal Consumer Issues
Topic: Are you a "maximizer" or a "satisficer"?
Replies: 52
Views: 3036

Re: Obese airline passenger

Flying is already a very stressful event for nearly everyone. Here is what it comes down to: Why should someone's obesity problem (whether medical or otherwise) also become my problem? Since this post is not actionable and will just serve to irritate folks on both sides, probably time to shut er dow...
by Cosmo
Sun Sep 28, 2014 9:46 pm
 
Forum: Personal Consumer Issues
Topic: Obese airline passenger
Replies: 62
Views: 4856

Re: Cast Iron Skillet Cooking

Anyone with ultimate cornbread recipes to make on cast iron skillets? I have been using the Food Network's recipe for several years -it is very fattening but sooooooo good! I use two 8 inch skillets per batch in order to get a thinner cake. http://www.foodnetwork.com/recipes/alexandra-guarnaschelli...
by Cosmo
Sat Sep 27, 2014 3:07 pm
 
Forum: Personal Consumer Issues
Topic: Cast Iron Skillet Cooking
Replies: 107
Views: 9246

Re: What's the riskiest Bogleheadish asset?

G-Money wrote:
livesoft wrote:Maybe it is one's home?

Or possibly one's human capital.


+1.

Without this, it would not be possible to put any savings in any of these assets, "risky" or not...

Cosmo
by Cosmo
Wed Sep 10, 2014 8:58 am
 
Forum: Investing - Theory, News & General
Topic: What's the riskiest Bogleheadish asset?
Replies: 81
Views: 7173

Re: Does your employer still offer pensions to new hires?

My company ( a major energy firm) still offers a DB plan. However, recently, they are no longer offering the more generous "80 Point" plan to new employees and they are now stuck with the "Alternative Plan", which is what I am on. In hindsight, I figured that I wouldn't be at my ...
by Cosmo
Mon Sep 01, 2014 6:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does your employer still offer pensions to new hires?
Replies: 54
Views: 3922

Re: Paper or plastic?

The single use plastic bags were gold in our house for years. That made an excellent second use for several dirty diapers per day.
by Cosmo
Mon Sep 01, 2014 9:11 am
 
Forum: Personal Consumer Issues
Topic: Paper or plastic?
Replies: 63
Views: 2979

Re: Which generator do you have?

<snip...>even though the entire community has underground distribution lines. Cosmo Sure, but how long is the run from the nearest sub-station to your community? Those lines usually run above ground and close to roads (where cars like to run into them and trees like to fall on them :wink: )... Ours...
by Cosmo
Sun Aug 31, 2014 3:02 pm
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 8774

Re: Which generator do you have?

I have been considering a back up 20 kw generator for the entire house for over five years now. Over the last five years, we have had perhaps 3-4 interruptions that I was aware of -10 minutes or less with the exception of one that lasted for around an hour. It really makes it difficult for me to jus...
by Cosmo
Sun Aug 31, 2014 10:29 am
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 8774

Re: Ideas for thanking a doctor

Would a moderately priced bottle of wine be inappropriate? Even if they are not a drinker, they may be an entertainer. I also like the idea of giving sweets, which could be shared among the office staff. I am ashamed to say, I never even thought of doing something like that. I have had many very goo...
by Cosmo
Sat Aug 30, 2014 9:12 pm
 
Forum: Personal Consumer Issues
Topic: Ideas for thanking a doctor
Replies: 75
Views: 5098

Re: Husband rear-ended, driver ignoring his insurance

Following with interest as I would be unsure what to do here as well. I am amazed at the conflicting opinions here on what seems to be relately straight forward process.

Cosmo
by Cosmo
Tue Aug 26, 2014 7:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 44
Views: 5242

Re: How I beat Indexing... in 1 hour

1) Dedicate <5% of your portfolio to "play money" - In my case it was $5000 2) Open up a brokerage account with $0 trades - Merrill Edge for BofA customers 3) Scour Top 10 holdings in Vanguard/Fidelity Mid- and Small-Caps 4) Do your research! Pick companies with: - Consistent quarterly >7...
by Cosmo
Tue Aug 26, 2014 5:50 pm
 
Forum: Investing - Theory, News & General
Topic: How I beat Indexing... in 1 hour
Replies: 71
Views: 11836

Re: Paper I/EE Savings Bonds are only reissued electronicall

That applies to reissued bonds. Reissue happens in a number of situations (death, changes in title, partial redemptions, loss of original paper bonds, etc.). Obviously this could cause problems for those elderly folks without computer access (or even for those with computer access), but these folks...
by Cosmo
Sun Aug 24, 2014 12:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paper I/EE Savings Bonds are only reissued electronically
Replies: 4
Views: 787

Re: Cost of an above ground pool, land prep and maintenance

OMG I can't believe all the negative responses. Death scares and worries of not getting every penny out of your investment. Sheesh. I feel these are important and legitimate considerations. You can never overstate the risks when it comes to children drowning accidents. And you are taking away some ...
by Cosmo
Sun Aug 17, 2014 2:27 pm
 
Forum: Personal Consumer Issues
Topic: Cost of an above ground pool, land prep and maintenance
Replies: 20
Views: 1161

Re: Cost of an above ground pool, land prep and maintenance

If we ever consider getting a pool, we would move and purchase a home that alrieady has one. Just not worth the cost for something you not going to get back when you eventually sell your home.

Cosmo
by Cosmo
Sun Aug 17, 2014 10:50 am
 
Forum: Personal Consumer Issues
Topic: Cost of an above ground pool, land prep and maintenance
Replies: 20
Views: 1161

Re: Mortgage or pay cash

If they pay cash why would that upset their AA? Just rebalance back to 60/40. I would take a cheap ARM and plan to pay it off before the reset. One issue I see here is there could be a considerable tax liability here by selling their equities in order to rebalance -if they are in the taxable portio...
by Cosmo
Sun Aug 17, 2014 9:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage or pay cash
Replies: 9
Views: 1191

Re: what gender are you?

It is this simple, folks. If you are a man, select male. If you are a woman, select female. If your answer is, for one reason or another, "It's complicated.....", select other. I think we're ready to lock down this thread. The tangents that the thread has taken are getting really ridiculo...
by Cosmo
Sun Aug 10, 2014 8:13 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: what gender are you?
Replies: 27
Views: 5200

Re: Poll - Do you use Quicken?

Didn't answer. Does Mint count for Quicken?
by Cosmo
Sun Aug 10, 2014 8:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 85
Views: 5404

Re: what gender are you?

Oh my god. I cannot believe how long this thread is. It is this simple, folks. If you are a man, select male. If you are a woman, select female. If your answer is, for one reason or another, "It's complicated.....", select other. Is this a legitimate problem or are people just trying to ma...
by Cosmo
Sat Aug 09, 2014 10:22 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: what gender are you?
Replies: 27
Views: 5200

Re: Best Asparagus for Florida?

Personally, I would even bother, you will be disappointed. I tried some variety for southern climates (I live in SE Texas, sorry I don't recall the variety) and it never even came up. I don't think it's worth the work. Always best to growing something that grows well in your climate. And that's why ...
by Cosmo
Tue Aug 05, 2014 8:56 pm
 
Forum: Personal Consumer Issues
Topic: Best Asparagus for Florida?
Replies: 11
Views: 880

Re: What finance experts do you follow on Twitter?

J.Everett wrote:I signed up for a Twitter account because of this thread. I had also always considered Twitter mildly ridiculous until I realized I could just use it as a feed for awesome articles. Thanks!


Exactly! Some people get it. Others don't.

Cosmo
by Cosmo
Sun Aug 03, 2014 8:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: What finance experts do you follow on Twitter?
Replies: 44
Views: 8072

Re: How Much Did You Lose Today?

How about the option, "This poll is dated. Since I never bothered looking then (nor do I care), I have no idea what I lost or made".

Cosmo
by Cosmo
Sun Aug 03, 2014 9:01 am
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 15406

Re: What finance experts do you follow on Twitter?

Large quantities of short, imprecise statesments delivered over an extended time period seems like the worst possible way to talk about finance. Or really most things worth talking about. Absolutely not true. There is usually an interesting internet link embedded so there is nothing short or imprec...
by Cosmo
Sat Aug 02, 2014 11:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: What finance experts do you follow on Twitter?
Replies: 44
Views: 8072

Re: POLL: My home is worth less/more in 2014 than in 2007?

Not surprisingly, many folks are prepping their home for sale and cashing in while they can. Perhaps, the bubble has finally arrived here? I don't understand what this means. How do "many folks" cash in besides maybe retiring or downsizing? I am assuming most of these people need to buy s...
by Cosmo
Sun Jul 27, 2014 7:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 94
Views: 5987

Re: POLL: My home is worth less/more in 2014 than in 2007?

Not surprisingly, many folks are prepping their home for sale and cashing in while they can. Perhaps, the bubble has finally arrived here? I don't understand what this means. How do "many folks" cash in besides maybe retiring or downsizing? I am assuming most of these people need to buy s...
by Cosmo
Sun Jul 27, 2014 5:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 94
Views: 5987

Re: Using Emergency Fund to Pay off Auto Loan

epictetus wrote:i vote with keep the cash. don't pay off the loan.


Agree.
by Cosmo
Tue Jul 15, 2014 7:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Using Emergency Fund to Pay off Auto Loan
Replies: 20
Views: 1644

Re: Real Estate Advice

I am new to investing in real estate but I found a nice 3 bd 2 ba house in a high class area. It is selling for about 94K. I believe I could rent it out for about 1500 a month. I have 20K to put down and about another 20K for in case things go wrong money. I make about 5600 a month, which goes up t...
by Cosmo
Tue Jul 15, 2014 7:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real Estate Advice
Replies: 26
Views: 2747

Re: But why not 100% stock index fund?

Dutch wrote:Ok I'm calling the top of the market


+1
by Cosmo
Sun Jul 13, 2014 7:38 pm
 
Forum: Investing - Theory, News & General
Topic: But why not 100% stock index fund?
Replies: 76
Views: 7640

Re: New 401(k) options

rdlaner , if you want an AA of 80% stocks, 20% bonds, with 10% of stocks in international (low) that breaks down to 72% US stocks, 8% international stocks, and 20% bonds. If the 401k is your only retirement asset (no IRAs), then you could have the following: 401k -- 100% 57% ( VFIAX ) Vanguard 500 ...
by Cosmo
Mon Jun 30, 2014 9:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401(k) options
Replies: 11
Views: 535

Re: New 401(k) options

Use these two together in proportion (see the Wiki): Vanguard 500 Index Admiral (VFIAX) (0.05%) Vanguard Extended Market Index Admiral (VEXAX) (0.10%) I agree 100% here. And further to that, I would KEEP IT SIMPLE by synthesizing Taylor's three fund portfolio here: http://www.bogleheads.org/wiki/Th...
by Cosmo
Mon Jun 30, 2014 6:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401(k) options
Replies: 11
Views: 535

Re: New 401(k) options

Are ALL those old funds going away? If so, I think you 401(k) provider is making it unnecessarily more complicated by getting rid of the Vanguard Total Stock Market Index and replacing it with slice n dice type options.

Cosmo
by Cosmo
Mon Jun 30, 2014 6:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401(k) options
Replies: 11
Views: 535

Re: where is nisiprius?

I don't know why this is so hard for some people. I was about to say "let me google that for you", but instead I will say "let me search user's posts for you." sscritic, I am looking for the lyrics of that old song, "Go you Chicken Fat, Go", you know the song they woul...
by Cosmo
Sat Jun 28, 2014 5:15 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: where is nisiprius?
Replies: 26
Views: 3764

Re: Mortgage: Variable 7 vs Fixed 30.

Is this a trick question? The ARM is better. Not a trick question and the answer is not as straight forward as you seem to think it is. The OP did not make any indication if they were going to prepay or not. grabiner wrote: And the bank is presumably indifferent between the two for similar reasons....
by Cosmo
Sat Jun 28, 2014 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage: Variable 7 vs Fixed 30.
Replies: 47
Views: 3603

Re: Low Exp. Ratio 0.0018% - Am I missing something

25% is way too much, 5% tops! Your wife is far too exposed to one stock. To make it worse, it happens to be the same company she works for. Take it from a former Enron employee, 25% is too much!

Cosmo
by Cosmo
Thu Jun 26, 2014 6:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Low Exp. Ratio 0.0018% - Am I missing something
Replies: 23
Views: 2576

Re: Guaranteed profit from forex trading

http://www.fenikfx.com It is very simple….we simply execute trades for you on your online forex account. With our top secret trading methods, we guarantee a 50% or more profits on your initial capital weekly. Why should I be happy with < 10% APY when I can get guaranteed 50% APY per week! It should...
by Cosmo
Mon Jun 23, 2014 7:37 pm
 
Forum: Investing - Theory, News & General
Topic: Guaranteed profit from forex trading
Replies: 14
Views: 1406

Re: Implications on using lump sum payout to payoff mortgage

Another post where people are making suggestions without even knowing what the interest rate is. OP, please furnish your interest rate on the mortgage. Do you itemize?

Cosmo
by Cosmo
Mon Jun 23, 2014 6:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Implications on using lump sum payout to payoff mortgage
Replies: 6
Views: 573

Re: Anyone regret paying off mortgage early?

My thoughts on occasions when paying off your mortgage early is a bad idea. Thse reasons are for people who still have many years prior to retirement. 1) If you are not maximizing your tax advantaged savings. You are missing out on a huge tax deduction especially if you are in a high tax bracket. 2...
by Cosmo
Sun Jun 22, 2014 10:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 185
Views: 25724

Re: Wind blew off shingles, now roof is leaking!

It appears the adjuster missed something. I would want them to revise the original claim. Two claims on your policy look worse than one. What did they miss? They made the determination there were missing shingles that needed to be replaced. Unfortunately, they do not appear that they were replaced ...
by Cosmo
Sun Jun 22, 2014 7:45 pm
 
Forum: Personal Consumer Issues
Topic: Wind blew off shingles, now roof is leaking!
Replies: 27
Views: 1491

Re: Riding a bicycle east from Cleveland

You should be aware that the Cleveland airport is located southwest of the city. This means that you will be riding through a large busy metropolitan area, before you get to anything rural. Within the city, all you have are busy streets and freeways. Neither would seem to be ideal for bike riding. ...
by Cosmo
Sat Jun 21, 2014 6:02 pm
 
Forum: Personal Consumer Issues
Topic: Riding a bicycle east from Cleveland
Replies: 26
Views: 1335

Re: The Death of Savings Bonds

What is the point of this poll? It would make more sense if it was how many dollars worth of savings bonds were purchased. I am pretty sure that most Bogleheads here have not purchased 1,000 (or more) savings bonds.
by Cosmo
Mon Jun 16, 2014 4:19 pm
 
Forum: Investing - Theory, News & General
Topic: The Death of Savings Bonds
Replies: 33
Views: 3560

Re: How can this be legal (employers over-riding employee 40

http://www.bloomberg.com/news/2014-06-11/they-just-re-invested-your-401-k-for-you-for-your-own-damn-good.html Basically, employers now feel like they can change your selections in your 401(k) "for your own good." Sure they notify you, and you can opt out, but still highly offensive. I am ...
by Cosmo
Sat Jun 14, 2014 2:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: How can this be legal (employers over-riding employee 401k)
Replies: 23
Views: 1795

Re: Apple looks interesting right now

I recently bought a $125 smart phone that has nearly all of the capabilities of an iPhone 4S. Obviously, there's a vastly larger market for $125 smart phones than for $500 ones. I'm sure that the smart people at Apple know this and that they knew about the cheap smart phone several years ago. It's ...
by Cosmo
Wed Jun 11, 2014 6:11 am
 
Forum: Investing - Theory, News & General
Topic: Apple looks interesting right now
Replies: 35
Views: 2462

Re: Apple looks interesting right now

stemikger wrote:I never bought a single stock in my life, but I have to say Apple looks interesting right now. Does anyone else feel this way with the recent split.

It's the largest publicly traded company in the world. Where's the upside? Apple looked a lot more interesting oh around 12 years ago?
by Cosmo
Wed Jun 11, 2014 6:08 am
 
Forum: Investing - Theory, News & General
Topic: Apple looks interesting right now
Replies: 35
Views: 2462

Re: Any "Apps" you like?

Vanguard Investor Vanguard Advisor Mint My credit card app My bank app My insurance company app My pharmacy app Not particularly a finance app, but 1Password is wonderful. ... Fletch Yes! Exactly what Fletch said. Absolutely love mint btw. Great for monitoring transactions including credit card tra...
by Cosmo
Tue Jun 10, 2014 9:29 pm
 
Forum: Personal Consumer Issues
Topic: Any [iPhone] "Apps" you like?
Replies: 50
Views: 4277
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